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My AGI is currently under $100,000. I am not exactly sure what the cut-off point is, but I think for joint filers it is somewhere around $150,000 to be able to contribute to a Roth. My question is, what happens when our AGI exceeds the cut-off point? I know we can not contribute anymore, but do we just let that money sit in the the Roth or what? And do we open a Traditional IRA? CONFUSED!
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